Cheapest Car Insurance Quotes in Bogota

Finding the cheapest car insurance quotes in Bogota shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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Bogota Car Insurance

^$ 77

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Bogota

The car insurance rate in Bogota is $1560 for a six-month policy, which is $322 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $973, making it a popular choice for budget-conscious drivers. Rates in Bogota can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Bogota

$1560

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Bogota

1st place: New Jersey Manufacturers

At $973 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1176 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1189 for six months, making it the third cheapest auto insurance company in Bogota.

Bogota Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bogota, NJ is New Jersey Manufacturers, offering policies at just $973 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1176.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2597 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bogota drivers find the best deals.

Cheap Car Insurance Companies in Bogota, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$973	$163
New Jersey Skylands Insurance	$1176	$200
NJM	$1189	$200
Plymouth Rock	$1295	$218
Progressive	$1362	$229
Travelers	$1452	$244
Amica Mutual	$1647	$275
Allstate	$1698	$286
State Farm	$1833	$309
Selective	$1938	$326
Farmers	$2597	$433

Key Takeaways

Way's key takeaways about car insurance in Bogota

The auto insurance costs in Bogota fall around $973 for six months.
The cheapest auto insurance company in Bogota is New Jersey Manufacturers.
Teen drivers pay the highest rate in Bogota at $1318 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Bogota

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Bogota are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Bogota. Their Average 6 Month Premium is $449. Farmers is the most expensive at $1295 for the same period.

Cheapest Liability Coverage in Bogota, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$449	$77
Plymouth Rock	$606	$102
NJM	$621	$105
New Jersey Skylands Insurance	$659	$110
Amica Mutual	$674	$115
Amica	$771	$129
Progressive	$771	$130
Travelers	$794	$134
State Farm	$830	$140
Allstate	$921	$155
Selective	$1026	$173
Farmers	$1295	$215

Cheapest Full Coverage Car Insurance in Bogota

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Bogota is New Jersey Manufacturers at $163 per month and $973 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bogota, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$973	$163
New Jersey Skylands Insurance	$1176	$200
NJM	$1189	$200
Plymouth Rock	$1295	$218
Progressive	$1362	$229
Travelers	$1452	$244
Amica Mutual	$1647	$275
Allstate	$1698	$286
State Farm	$1833	$309
Selective	$1938	$326
Farmers	$2597	$433

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Average Car Insurance in Bogota by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Bogota, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Bogota, New Jersey, may be increasing due to several external factors. New Jersey has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Bogota's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bogota

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	NJM	$966
30s	NJM	$751
40s	NJM	$696
50s	NJM	$641
60s	NJM	$591

Cheapest Car Insurance Rates for Teen Drivers in Bogota,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Bogota at $115 per month. At $7754 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$674	$115
NJM	$1347	$227
New Jersey Manufacturers	$2230	$379
Travelers	$3144	$529
Selective	$3406	$573
Plymouth Rock	$3533	$595
Amica Mutual	$3944	$670
Allstate	$4281	$721
Progressive	$4326	$728
State Farm	$5127	$863
Farmers	$7754	$1318

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Bogota.

As young drivers face the highest rates in Bogota, NJM offers the cheapest auto insurance rates at $966 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Bogota, Amica Mutual is the cheapest car insurance provider. At $823 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Bogota is State Farm, offering rates of around $9109 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$823	$140
New Jersey Skylands Insurance	$1033	$173
Foremost	$1153	$197
NJM	$1444	$243
Progressive	$1856	$312
Plymouth Rock	$1916	$323
Farmers	$3442	$586
Selective	$3982	$664
Travelers	$4251	$723
Allstate	$4453	$742
State Farm	$9109	$1549

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Save up to $971/yr on car insurance rates in Bogota.

Car Insurance Rates with An Accident in Bogota

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Bogota, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bogota

The cheapest car insurance companies after an at-fault accident in Bogota include New Jersey Skylands Insurance and NJM, offering $794 and $845, respectively. Farmers is an expensive provider with an average six-month premium of $5030.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$794	$132
NJM	$845	$142
New Jersey Manufacturers	$1026	$171
Plymouth Rock	$1070	$180
Amica Mutual	$1273	$214
Progressive	$1789	$301
Selective	$2426	$408
Travelers	$2485	$418
State Farm	$2874	$484
Allstate	$4491	$756
Farmers	$5030	$838

Bogota Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bogota NJ. For example, the car insurance in Bogota after a DUI increases to $1588 for a six month policy. While the rate increases by $218 for a six-month policy in the case of a speeding ticket.

Bogota auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1459	$243
One Med/PIP claim	$1467	$249
Not-at-fault accident	$1535	$256
One comp claim	$1550	$263
Two Med/PIP claims	$1557	$260
Speeding 6 - 10 MPH over limit	$1677	$285
Speeding 11 - 15 MPH over limit	$1685	$281
Two comp claims	$1685	$286
Failure to show documents	$1706	$285
At-fault accident - less than $1000	$1729	$294
Failure to wear a seat belt	$1751	$292
Driving too slowly	$1759	$299
Driving without lights	$1767	$295
Child safety restraint	$1797	$305
Driving with expired registration	$1797	$300
Wrong way/wrong lane	$1826	$310
Failure to yield	$1833	$306
Failure to stop at a red light	$1841	$312
Illegal turn	$1871	$312
Cell phone violation	$1894	$323
Texting while driving	$1894	$315
Speeding in school zone	$1924	$328
Operating a vehicle without permission	$1932	$321
Speeding 16 - 20 MPH over limit	$1932	$329
Improper passing	$1976	$329
Following too closely	$1983	$338
Passing school bus	$2065	$344
In 65 MPH zone	$2080	$354
Speeding 21 - 25 MPH over limit	$2148	$358
At-fault accident - $1000-$2000	$2208	$375
At-fault accident - greater than $2000	$2223	$370
Open container	$2485	$422
Reckless driving	$2912	$485
Leaving scene of an accident/hit and run	$3024	$514
DUI	$3047	$508
Refusal to submit to a chemical test	$3047	$518
Racing	$3054	$509
Driving with a suspended license	$3174	$539

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Bogota after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Bogota.

The cheapest car insurance premiums in Bogota are offered by Plymouth Rock at $921 for a six-month policy. However, it can be as expensive as $6878 with companies like State Farm.

Bogota car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$921	$155
Foremost	$1011	$169
NJM	$1018	$171
Mercury	$1168	$194
New Jersey Manufacturers	$1257	$214
Progressive	$1280	$215
Travelers	$1932	$325
Allstate	$2312	$389
Selective	$2844	$479
Farmers	$3279	$547
Amica Mutual	$6504	$1106
State Farm	$6878	$1158

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Bogota are offered by Plymouth Rock at $853. However, it can be as expensive as $4401 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bogota after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$853	$144
NJM	$1085	$183
Progressive	$1497	$252
Selective	$2156	$359
State Farm	$2185	$372
Travelers	$2507	$418
Allstate	$3653	$621
Farmers	$4401	$733

Car Insurance Price Trends in Bogota, New Jersey

Car insurance rates in Bogota have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Bogota rose by $365 in January compared to $310 of December. In other words, there has been an increase by $55 when you compare January and December.

The average cost of liability insurance in the Bogota rose to $122 in January, compared to $108 in December. This represents an increase of $14 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bogota?

The car insurance in Bogota is $77 per month, which is lower than the national average.

What is the cheapest car insurance in Bogota?

The cheapest car insurance in Bogota is $163 per month for full coverage.

How much is car insurance in Bogota for teenagers?

Car insurance for teenagers costs $674 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Bogota?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $262 per month to insure your car in Bogota.

Is car insurance expensive in Bogota?

Car insurance can be expensive in Bogota if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bogota can be affordable.

Cheapest Car Insurance Quotes in Bogota

Why you can trust Way?

How Much Is Car Insurance in Bogota

Avg. Car Insurance in Bogota

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Bogota

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Bogota Car Insurance Rates by Company

Cheap Car Insurance Companies in Bogota, NJ

Way's key takeaways about car insurance in Bogota

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bogota

Cheapest Liability Coverage in Bogota, NJ

Cheapest Full Coverage Car Insurance in Bogota

Cheapest Full Coverage Car Insurance Quotes in Bogota, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bogota by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Bogota, NJ increasing?

Car Insurance Premiums by Age in Bogota

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bogota,NJ

If you are in your twenties NJM is the best choice for car insurance in Bogota.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Bogota

Cheapest Car Insurance Companies after an At-Fault Accident in Bogota

Bogota Car Insurance Rates by Violation

Bogota auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bogota after a DUI

Bogota car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bogota after Speeding ticket

Car Insurance Price Trends in Bogota, New Jersey

Average Car Insurance Cost in Bogota by ZIP Code

Frequently Asked Questions

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